My Account
We compare quotes from leading insurers
Protection for Landlords When Accidents Happen
What Is Property Owners’ Liability?
As a landlord, you are legally responsible for the safety of people who enter your premises - tenants, contractors, delivery drivers, inspectors, customers and members of the public. If someone is injured or their property is damaged due to your building’s condition, you may face compensation claims.
Property Owners’ Liability Insurance protects you by covering legal costs, defence expenses and compensation awards.
What Property Owners’ Liability Covers
Essential protection for commercial landlords of all sizes.
- Injury to visitors, tenants, contractors or members of the public
- Damage to vehicles or personal property on your premises
- Compensation awards & legal defence costs
- Slips, trips & falls caused by defects or hazards
- Falling objects, signage or fixtures causing injury
- Damage caused by loose tiles, brickwork or structure
- Cover for communal areas, car parks & access routes
- Optional employers' liability for onsite staff
Common Liability Risks for Property Owners
- Slips or trips due to wet floors, uneven surfaces or poor lighting
- Injuries caused by poorly maintained steps or stairways
- Damage from falling brickwork, tiles or signage
- Injury in communal areas including hallways & car parks
- Contractor accidents during repair or maintenance
- Tenant disputes relating to building condition
- Claims from customers or visitors in mixed-use buildings
- Damage to neighbouring property due to structural issues
Why Choose Insure24
- Specialist landlord & commercial liability expertise
- Competitive premiums from UK’s top insurers
- Fast quotes & immediate documentation
- Cover available for single buildings or full portfolios
- Support for difficult-to-insure or high footfall premises
- Dedicated claims support
“After a visitor injury claim, Insure24 handled everything quickly and professionally. Highly recommend their liability cover.”
Sarah T., Commercial LandlordFREQUENTLY ASKED QUESTIONS
+-
What is Property Owners’ Liability Insurance?
It protects landlords against claims for injury or property damage suffered by tenants, visitors or members of the public due to the condition of the property.
+-
Is this different from Public Liability Insurance?
Property Owners’ Liability is specifically for landlords, covering risks associated with buildings they own rather than business activities.
+-
What limit of liability should I choose?
Limits typically range from £1m to £10m depending on footfall, building type, occupancy and contractual requirements.
+-
Does this cover claims from contractors?
It covers accidents arising from your property, but contractors should also hold their own public liability insurance.
+-
Is this required by law?
Not legally required, but strongly recommended - claims can exceed £100,000 even for minor injuries.